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        <p>最近媳妇找工作，机缘巧合去做了保险代理人，我本身从事的行业也跟保险相关，不过也是最近才真正的去认真了解这个行业，才发现原来对这个行业有那么多的不了解。写这个也是谈下自己的一些感触</p>
<a id="more"></a>

<h2 id="为什么感觉卖保险的都是骗子？"><a href="#为什么感觉卖保险的都是骗子？" class="headerlink" title="为什么感觉卖保险的都是骗子？"></a>为什么感觉卖保险的都是骗子？</h2><p>一提到保险，很多人包括我都认为是骗子，其中的原因有很多，逐个来分析下</p>
<ol>
<li>从产品的角度<br>保险产品看不见摸不着，甚至都有可能用不到，让人不禁感觉这是一个可有可无的东西。加上人的损失厌恶心理和只关注眼前事，总是感觉亏大了</li>
<li>从保险公司的角度<br>保险公司首先是一个盈利性的组织，其次才是服务型的组织。那么既然要盈利肯定不会做亏本的买买，那么每卖给你的一份保险，他肯定要获利，但是获利的方式有很多，而且获利肯定从你的保费中来。到这里，大家肯定认为保险公司是一个黑心组织。对此先不做评判，继续往下分析</li>
<li>从代理人的角度<br>代理人做着一份工作肯定是要有回报的，这份回报也是从你的保费当中来。而且为了更高的收益，代理人本能就会给你推荐跟多的保险。这样会让你感觉她就是要给你推销商品，而且还是一件看不见的商品，甚至可能还用不着</li>
<li>从自身的角度<br>当我们年轻的时候，我们有的是活力，感觉未来充满希望，谁跟我说明天可能挂了，我不谢他祖宗都是客气的，着急享乐的时光，谁会考虑到那些不测，谁说多了，我跟他急</li>
</ol>
<p>综上所述，保险就是一骗子啊！可是这只是我们的感觉，这事情可不能跟着感觉走。下面讨论下，怎么看待保险</p>
<h2 id="我们应该怎样看待保险？"><a href="#我们应该怎样看待保险？" class="headerlink" title="我们应该怎样看待保险？"></a>我们应该怎样看待保险？</h2><ol>
<li>保险是一种商品，一种服务<ol>
<li>商品就会有性价比，所以买保险肯定买性价比高的</li>
<li>商品就会有目标人群，买合适自己的很重要</li>
<li>服务是体验到的，不是看见的</li>
</ol>
</li>
<li>保险不是投资，是保障<ol>
<li>不要想着用保险赚钱，哪怕是投资性质的保险也是，保险只是让你损失不会更多</li>
<li>今天和之前的事情，保险管不着，未来才是他的用武之地</li>
</ol>
</li>
<li>保险保的是概率<ol>
<li>概率一个很难去琢磨的事情，所以根据自己的情况去判断概率的大小</li>
<li>不要因为概率极小而忽略，也不要因为概率极大而害怕，很多事情还是可以通过技术手段来降低概率</li>
</ol>
</li>
</ol>
<h2 id="我们要不要买保险？"><a href="#我们要不要买保险？" class="headerlink" title="我们要不要买保险？"></a>我们要不要买保险？</h2><p>先说答案，是不一定非要买，而且不一定你能买。</p>
<h3 id="不一定非要买"><a href="#不一定非要买" class="headerlink" title="不一定非要买"></a>不一定非要买</h3><p>刚说了保险的功能和性质，可以看出来，保险其实只适合一部分人。</p>
<p>老人是最适合买保险的，原因是性价比不高，大部分险种已经不适合了。但是这并不意味这老人不需要保障，只是保障方式不同了，可以利用储蓄或者稳健投资来保障。</p>
<p>小孩性价比最高，只需要一点点钱就能保证很多，可是由于技术发展，和通货膨胀，小孩不易买太多，合适就行</p>
<p>年轻人，最适合买保险的人，但是也是最不愿意买保险的人。原因是性价比高，收入能力强。但是考虑不到未来的风险</p>
<p>中年人，最尴尬的一群人，性价比已经不高了，但是是最急需的一部分人，原因是各方面压力都来了，风险越来越大。</p>
<h3 id="想买不能买"><a href="#想买不能买" class="headerlink" title="想买不能买"></a>想买不能买</h3><p>除了能买不买的，其实还有一些人想买可能都买不了，或者买了没用的。</p>
<p>如果你身体本身就很差，那么你的保费可是很高的哦，虽然也能保障，但是经济压力会过大，的不且过。当然土豪随意。</p>
<p>如果你从事危险职业，那么也很尴尬</p>
<p>其他的就不说了，还是有很多机会能买保险的</p>
<h2 id="最后算个账"><a href="#最后算个账" class="headerlink" title="最后算个账"></a>最后算个账</h2><p>保险其实是消费。但是不太一样的是，他能给你一个稳定的预期。<br>最常说的例子就是，假如你收入 50 万，如果不出意外，你能剩下 50 万，如果出现意外你一分不剩。但是如果用 5 万块钱保险，就算出现意外，你也能留住 45 万。这就是保险的用处。</p>
<h2 id="总结"><a href="#总结" class="headerlink" title="总结"></a>总结</h2><p>以前我不理解那些有钱人傻吗，为什么买保险，还买那么多的。一个稳定的预期是多么重要，你收获的是自由啊！要不然真是做事畏手畏脚。</p>
<p>当然保险的用处还有很多，还没弄清楚，以后慢慢了解吧。</p>

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